If you have a query regarding RAC Motorbike Insurance purchased before the 16th February 2016^, or you purchased a policy quoted for prior to this date, please call 0333 202 3047.

Why choose RAC Moped Insurance?

Motorbike Insurance from the RAC provides riders with the cover they need to ride their moped legally in the UK. Whether you are a moped enthusiast or just scaling down from a motorbike, having the right cover to accompany your vehicle can help make all the difference. Here at the RAC, with our years of experience and our approved panel of insurers, we will provide you with the right policy at the right price.

Types of cover

Third party, fire and theft - This policy covers the same as third party only, but also includes, theft of vehicle, damage to your vehicle during theft and fire damage.

Comprehensive policy – The most wide-ranging level of cover. This policy includes everything covered by Third party, fire and theft along with accidental damage cover and loss or damage to your moped.

Why do I need Moped Insurance?

RAC Motorbike Insurance provides riders with a policy that reflects the lower costs and lower risks associated with riding a modern moped. Low in road tax, mopeds are a cheap form of transportation when it comes to those quick drives to the shops or those short trips away.

As younger drivers, especially those who have recently passed their test, are the one group most likely to pay higher rates of insurance, mopeds are a very attractive option. The first step in getting a moped licence is getting a CBT test (compulsory basic training). Once passed, you’ll get a certificate of completion which allows you to ride your moped on the road (with L plates) for up to two years. It’s at this point that you’ll need to purchase your own insurance to take your moped out on the road. You must pass your full motorcycle test within two years or you’ll need to complete your CBT again.

Even though mopeds are mostly ridden by younger riders, with 16 year olds being old enough to ride them, most mopeds have speed limiters on them of around 28mph, this allows even the most inexperienced rider to get the cover they need. Further risks with younger riders are also eliminated with the average engine size of a moped being 50cc, meaning the inherent danger associated with riding a similar larger vehicle, such as a motorbike, is taken away. With your typical motorbike doing on average 80mpg, mopeds are also seen as being incredibly environmentally friendly, with a number of electric vehicles actually being categorised as mopeds due to their small engines.

Getting insured is a legal requirement and with the government cracking down on the high number of uninsured drivers it is vital you get your moped insured. Even if your moped is hardly used and is left in a garage most of the time, it has to be insured. Only if the vehicle is officially declared off the road with a SORN (Statutory off Road Notice) from the DLVA is an exception made. Failure to comply with these regulations can result in a fine, possible prosecution and your moped being seized or even destroyed.

RAC Motorbike Insurance and other related insurance products are underwritten by one or more of a panel of insurers whose details can be found here. Details of their authorisations can be found on the Financial Services Register.